Benefits for Members

 

Portfolio Diversification

Portfolio Diversification

BancAlliance provides high-quality loan opportunities that offer portfolio diversification with respect to loan type, borrower industry, geography and interest rate risk.

 

Member Loan Referrals

Member Loan Referrals

BancAlliance members can refer loans exceeding their individual hold size to the network or where the member lacks the necessary lending platform, allowing members to retain valuable relationships while addressing a customer’s growing credit needs.

 

Lending Expertise

Lending Expertise

BancAlliance members have access to experienced lenders at AP who work closely with our members to ensure they have all the tools necessary for thorough underwriting of each loan or loan program sourced through the network. AP provides analysis, documentation, support, and training to support all lending decisions. AP also provides for loan servicing throughout the full credit life cycle, allowing members to continuously monitor loans sourced through the network.

 

Increased Profitability

Increased Profitability

Participation in BancAlliance can increase a member’s earnings and return on equity. Loans sourced through the network allow members to supplement local loan demand, diversify their portfolio, increase returns on assets and deploy excess liquidity.

 

Accountability

Accountability

AP operates as a dedicated asset manager and is accountable to members, who elect the BancAlliance Board of Directors. AP purchases and holds a portion of every commercial loan closed on behalf of members.

 

Membership

Membership

BancAlliance connects members to community banking colleagues throughout the country through periodic member meetings, where members discuss and direct the network’s activities. In addition, there are frequent conference calls to discuss market conditions and new network initiatives.

 

Alliance Academy

Alliance Academy

Alliance Academy is a continuing education program for member banks. It offers live, on-site educational opportunities for BancAlliance members to gain further insight into credit, underwriting, presentation and related skills relevant to loan, credit and other officers of financial institutions.